CNB Financial Corporation - Dep CCNEP

Competitive advantage analysis · financial-services

Bank Specialized
Overall moat score
48/100
Developing

Ranked against 399 peers in Banks - Regional

About CNB Financial Corporation - Dep

CNB Financial Corporation operates as the bank holding company for CNB Bank that provides various banking products and services for individual, business, governmental, and institutional customers. The company accepts checking, savings, and time deposit accounts; and offers real estate, commercial, industrial, residential, and consumer loans, as well as other specialized financial services. It also provides private banking services; and wealth … Full CCNEP analysis →

Key strengths

  • Diversified Revenue Streams Revenue diversification is evident (growth stability 0.60).

Key risks

  • Weak Deposit Franchise Deposit franchise appears weak (profitability score 0.38).
  • Weak Net Interest Margin Net interest margin proxy is weak (score 0.35).

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

Upgrade to unlock the signals and evidence behind each defense.

Premium access

Unlock full defense analysis

Get key signals, strengths, and risks for every moat dimension.

Upgrade to Premium Unlock all moat defenses and evidence.

Deposit Franchise

Developing
46
Premium

Signals, strengths and risks for Deposit Franchise

Premium

Signals, strengths and risks for Lending Advantage

Premium

Signals, strengths and risks for Capital Strength

Premium

Signals, strengths and risks for Cost Discipline

Premium

Signals, strengths and risks for Revenue Diversification

Premium

Signals, strengths and risks for Risk Management

Where CCNEP ranks in Banks - Regional

CNB Financial Corporation - Dep ranks #209 of 393 scored companies in Banks - Regional by moat score — the top 53%. The widest moat in the group is 1st Source Corporation (SRCE) at 86/100.

# Company Moat score Rating
205 First US Bancshares, Inc. FUSB 48/100 Developing
206 United Security Bancshares UBFO 48/100 Developing
207 LCNB Corporation LCNB 48/100 Developing
208 CNB Financial Corporation CCNE 48/100 Developing
209 CNB Financial Corporation - Dep CCNEP 48/100 Developing
210 Financial Institutions, Inc. FISI 48/100 Developing
211 Pinnacle Financial Partners, In PNFPP 48/100 Developing
212 Heritage Financial Corporation HFWA 48/100 Developing
213 Mizuho Financial Group, Inc. Sp MFG 48/100 Developing

See every Banks & Lenders company ranked by moat score →

How CCNEP scores on the Bank Specialized defenses

Deposit Franchise

Score 46 · 22% of the moat score

A deposit franchise is the cheapest and most valuable thing a bank can own.

Lending Advantage

Score 44 · 18% of the moat score

Lending advantage is the ability to originate loans at attractive spreads without buying that volume with looser credit standards.

Capital Strength

Score 47 · 20% of the moat score

Capital is the buffer between loan losses and insolvency, and it is what regulators judge a bank on first.

Cost Discipline

Score 39 · 16% of the moat score

Banking carries high fixed costs in branches, compliance and technology, so what it costs to run the bank relative to what the bank earns is a genuine competitive variable.

Revenue Diversification

Score 62 · 14% of the moat score

A bank earning everything from net interest income is a leveraged bet on the rate cycle.

Risk Management

Score 55 · 10% of the moat score

Risk management is the defense that only reveals itself late.

How each Bank Specialized defense is measured, in full →

Understanding CCNEP's moat

What is CNB Financial Corporation - Dep's moat score?

CNB Financial Corporation - Dep (CCNEP) scores 48 out of 100 on the StatsAlpha Moat Map, which rates its competitive advantage as developing. It ranks #209 of 393 scored companies in Banks - Regional, the top 53%. The score is a weighted composite of 6 competitive defenses, each measured against industry peers of 399 companies in Banks - Regional. Its strongest defense is Revenue Diversification (62/100) and its weakest is Cost Discipline (39/100).

How does CNB Financial Corporation - Dep compare with other Banks - Regional companies?

CNB Financial Corporation - Dep ranks #209 of 393 scored companies in Banks - Regional by moat score. The widest moat in Banks - Regional is 1st Source Corporation (SRCE) at 86/100. The companies ranked closest are CNB Financial Corporation (CCNE) at 48 just above it and Financial Institutions, Inc. (FISI) at 48 just below it.

How is the moat score calculated?

Each company is scored with an industry-specific template — Bank Specialized in this case, chosen because the defenses that matter to a bank are not the ones that matter to a software company. Every defense combines several financial signals, and each signal is measured as a percentile against a peer group of 399 companies in Banks - Regional. The defenses are then weighted to produce the overall score out of 100.

Why is CNB Financial Corporation - Dep scored with the Bank Specialized template?

A bank does not sell a product at a margin. It funds itself, lends at a spread, and books profits that remain an estimate until the loans are actually repaid. That makes the usual margin-and-return questions misleading, so the Bank template scores what really determines a bank's durability: where its funding comes from, what it lends against, how much capital stands behind it, and whether it has been pricing risk honestly.

Which competitive defenses are measured for CNB Financial Corporation - Dep?

The Bank Specialized template measures 6 defenses, and CCNEP scores: Deposit Franchise (46), Lending Advantage (44), Capital Strength (47), Cost Discipline (39), Revenue Diversification (62), Risk Management (55). Each is scored independently as a percentile against peers, so a company can be strong on one and weak on another — the overall score reflects how those defenses are weighted for this industry.

Send Feedback
Please select a category.
0/1000